New Haven, CT · Charter 3790
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
7
Profitability
41
Liquidity
20
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New Haven, CT · Charter 3790
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | 0.02% | 0.01% | -0.04% | 0.16% | +19 bps | |
| Return on Equity | -0.15% | 0.11% | 0.06% | -0.21% | 0.78% | +93 bps | |
| Net Interest Margin | 4.77% | 5.02% | 5.24% | 4.99% | 5.22% | +45 bps | |
| Efficiency Ratio | 100.59% | 99.58% | 99.75% | 100.80% | 97.13% | -346 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.90% | 1.14% | 0.10% | 0.80% | -2.38% | -428 bps | |
| Loan Growth (YoY) | 8.24% | 3.65% | -5.11% | -5.32% | -3.21% | -1,145 bps | |
| Share Growth (YoY) | 2.24% | 1.40% | 0.22% | 1.11% | -3.04% | -528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 2.71% | 3.26% | 4.65% | 3.08% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.35% | 1.39% | 1.41% | 1.21% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.13% | 20.65% | 21.40% | 20.38% | 20.73% | +60 bps | |
| Net Worth / Assets | 20.13% | 20.65% | 21.40% | 20.38% | 20.73% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.64% | 90.63% | 90.53% | 83.20% | 87.48% | -16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Haven, CT · Charter 3790 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.16%
Rank 1,409 of 1,683
Net Interest Margin
5.23%
Rank 108 of 1,683
Efficiency Ratio
97.09%
Rank 1,529 of 1,682
Equity / Assets
20.72%
Rank 200 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,409 / 1,683 | |
| Return on Equity | 0.79% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,444 / 1,681 | |
| Net Interest Margin | 5.23% | 3.31% | 3.82% | 4.32% | Beats 94% | 108 / 1,683 | |
| Efficiency Ratio | 97.09% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,529 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.07% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,558 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.72% | 10.44% | 12.89% | 16.53% | Beats 88% | 200 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.72% | 10.44% | 12.89% | 16.53% | Beats 88% | 200 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.47% | 52.61% | 69.38% | 83.50% | 82nd pctl | 302 / 1,683 | |
| Loans / Assets | 69.18% | 44.71% | 59.18% | 70.72% | 72nd pctl | 475 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||